J. Deutsch Associates is a privately owned and operated general insurance agency that offers the ISP Plans to eligible students, scholars and visitors.
ACI is a third-party administrator for Student Medical and International Insurance programs.
Solutions by Travel Guard is an assistance service that is provided through Chartis Insurance. It includes a toll-free number to obtain assistance or information on: LiveTravel Emergency Assistance, Concierge Services, Worldwide Travel Assistance, Travel Medical Assistance and Personal Security Assistance.
In addition to the insurance protection provided by the Pioneer and Adventurer plans, ACE USA has arranged with Europ Assistance USA to provide you with access to its travel assistance services around the world. The 24-access toll free number, 1-800-243-6124, should be utilized when you require hospitalization, doctor's referral, lost document assistance, emergency cash advance, and much more. Services also include coordination of repatriation of remains and emergency evacuation. For more information please visit the Europ Assistance USA website, www.ACETravelAssistance.com.
- Medical benefits of at least $50,000 per accident or illness;
- Repatriation of remains in the amount of $7,500
- Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $10,000; and
- A deductible not to exceed $500 per accident or illness.
For more information look to the US Government’s Electronic Code of Regulations.
While the Explorer, Tourer and Pioneer Plans have a scheduled list of limited benefits, the Mountaineer Plan has a more comprehensive plan design that includes both in- and out-of-network coverage. Although Explorer, Tourer and Pioneer coverage will sometimes suffice to meet university requirements, Mountaineer’s affordable comprehensive plan design was specifically customized to meet most universities’ waiver requirements.
While both plans provide accident and medical insurance for US students studying abroad, the plans have different benefit maximums, deductibles and overall coverage levels. One key difference is that the Adventurer Plans include lost baggage and trip interruption coverage while the Traveler Plans do not.
The Voyager Plan is designed to meet most universities' waiver requirements. Please ensure that you verify your school's requirements prior to purchasing one of the International Student Protection Plans.
Our two US students studying abroad plans (Traveler and Adventurer—both Basic and Enhanced) can be purchased for a minimum of 1 month. The four plans for international students in the US (Tourer, Explorer, Pioneer and Mountaineer) must be purchased for a minimum of 3 months. Our temporary visitor (Navigator) plans can be purchased for a minimum of 1 month.
Yes, if your dependents accompany you.
Students and Scholars insured under ISP Plans are encouraged to utilize their respective network of doctors and providers. In most cases claims are discounted for utilizing the correct network. This can save students a great deal of out of pocket expense. If using a network provider please fill out the following forms depending on your policy:
If you are enrolled in the Pioneer Basic, Pioneer Enhanced, or Pioneer Plus please fill out the ACE Claim Form
If you are enrolled in the Tourer, Explorer, Mountaineer or Navigator please fill out the Chartis Claim Form
You can fax or email these forms to ACI:
Administrative Concepts, Inc.
994 Old Eagle School Rd
Wayne, PA 19087
Alternatively, students are encouraged to create an account. Click to create an account
After creating an account, students can file and check the status of a claim via our easy to use site!
Often times additional information is requested such as accident/sickness details. Please be sure to send all requested information in order to quickly and efficiently file a claim.
If an insured has used an out of network provider, or enrolled in the Adventurer Basic or Adventurer Enriched or the Traveler Basic or Traveler Enriched, please submit the General ACI Claim form along with Fully Itemized Bills showing Claimant’s Name, Nature of Illness/Injury, Description and Charge for each service provided.
Remember, you can always call the ISP team at 1-877-738-5787 or email us at email@example.com for assistance or questions regarding claims. You may also call the ACI Customer Service Department to check the status of a claim or ask questions, 1-888-293-9229.
It is always recommended that you first seek treatment at your health service when practical.. They have your medical records, provide many services free-of-charge, and have practical knowledge of the local medical community. This will reduce your out of pocket expense. ISP Plans do not require that you first be treated at the health service.
Claim status can be obtained by calling Administrative Concepts, Inc. (ACI) at their toll-free number 1.888.293.9229 or via their claim status website www.visit-aci.com.
Upon completing your enrollment, please check off that your school will require the completion of insurance waiver form. A representative of International Student Protection will acquire the appropriate waiver form and prepare the form for completion. Contact an ISP representative via email or by calling 1.877.738.5787.
You can verify your coverage effective dates by calling an ISP or ACI representative. Call 1.877.738.5787 to speak with an ISP representative or 1.888.293.9229 to speak with an ACI representative.
Your identification card and certificate of insurance can be downloaded on the ACI website by entering the necessary information (first name, last name and date of birth) and choosing "Get Certificate" or "Get ID Card." You also may call ACI at 1.888.293.9229.
They are not. All International Student Protection Plans are short-term accident and medical insurance policies.
Coverage can be renewed if you still meet eligibility requirements. Each enrolled member will receive an email renewal reminder at least 30 days prior to current expiration date.
A refund request must be requested in writing and your insurance identification cards must be returned with your request. Premium refunds will not be considered if a claim has been filed during the period of coverage. All refunds are subject to the approval of the insurance company. If granted, the unearned premium less a $25.00 early termination charge will be refunded in the form of the original payment method.
Enrollment requests can be submitted through our online enrollment website or by submitting a completed enrollment form to fax number 1.212.693.4753.
Insurance payments can be made via credit card (American Express, Visa, MasterCard or Discover) or debit card, or by personal check made payable to J. Deutsch Associates.
It is common for a hospital to bill your Claims Administrator but many private physicians require payment at the time of treatment. If you pay a medical bill, submit the paid receipt to the company with the itemized bill and any payment due will be sent to you; otherwise, payment is made to the provider.
Dependent coverage is only available with a primary insured person. If the primary insured cancels their coverage, any dependent coverage will terminate as well.
All ISP insurance programs offer the freedom to obtain treatment from medical providers that are within or out of the Beech Street or PHCS Network. It is recommended however that an insured use a Beech Street or PHCS Network provider to maximize the amount of benefits paid by your insurance and to limit your out-of-pocket expenses.
Members enrolled under the Pioneer Basic and Pioneer Enriched plans with effective dates prior to 9/1/11 should use the Beech Street Network.
Members enrolled under the Tourer, Explorer, Mountaineer, and Navigator plans with effective date prior to 5/1/12 should also use the Beech Street Network.
All other members should use the PHCS Network.
Yes, the Pioneer (for international students in the US) and Adventurer (for US students traveling abroad) Plans both cover intercollegiate sports-related injuries and illnesses, with a $5,000 maximum.
Upon receipt of successful enrollment into one of the ISP Plans, a customized PerksCard will be sent to your mailing address on file.
Please send written notification of phone, email or address change to ISP via email or via fax number 1.212.693.4753.
Yes, the ISP Navigator Plan is available to international students and temporary visitors to the United States.
No, maternity is not covered under this contract.
Yes. The ISP Travelers now include a $100,000 benefit for security evacuation. This includes benefits payable for political risk, natural disaster, and personal threat. The full policy wording is as follows:
SECURITY EVACUATION BENEFIT
If, as a result of an Occurrence that takes place during an Insured Person’s Period of Coverage and while traveling outside his or her Home Country, an Insured Person requires a Security Evacuation, the Company will pay benefits to Transport the Insured Person to the Nearest Place of Safety. The determination that an Insured Person requires a Security Evacuation must be made by a Designated Security Consultant and all arrangements must be made by American International Assistance Services, Inc., (AIAS).
Benefits will be payable for eligible expenses up to a Maximum of $100,000. Eligible expenses are for Transportation and Related Costs to the Nearest Place of Safety necessary to ensure the Insured Person’s safety and well-being as determined by the Designated Security Consultant. Security Evacuation benefits are payable only once per Occurrence.
Benefits will also be payable for Transportation and Related Costs within 7 days of the Security Evacuation to either of these locations as chosen by the Company.
(1) back to the Host Country if return is safe and permitted; or
(2) the Insured Person’s Home Country ; or
(3) where the entity that sponsored the Insured Person’s trip is located.
This benefit is subject to the overall Maximum stated above.
Benefits will be payable for consulting services by Designated Security Consultant for seeking information on Missing Person or kidnapping cases if the Insured Person is deemed kidnapped or a Missing Person by local or international authorities. This benefit is subject to the overall Maximum stated above.
AIAS must make all arrangements and must authorize all expenses in advance of any benefits being payable. AIAS is not responsible for the availability of Transport services. Where a Security Evacuation becomes impractical because of hostile or dangerous conditions, a Designated Security Consultant will endeavor to maintain contact with the Insured Person until a Security Evacuation becomes viable.
Right of Recovery
If, after a Security Evacuation is completed, it becomes clear that the Insured Person was an active participant in the events that led to an Occurrence, the Company has the right to recover all Transportation and Related Costs from the Insured Person. Excess Provision
Benefits payable for the eligible expenses under this Rider will be limited to that part of the eligible expense, if any, which is in excess of the total benefits payable for the same Security Evacuation under any other valid and collectible insurance or other indemnity. If the other valid and collectible insurance or indemnity provides benefits on an excess coverage basis, benefits will be paid first by the insurer or services plan whose coverage has been in effect for the longer period of time at the date of the Security Evacuation. For purposes of this Rider, an Insured Person’s entitlement to other valid and collectible insurance or indemnity will be determined as if this Rider did not exist and will not depend on whether timely application for benefits from other valid and collectible insurance or indemnity is made by or on behalf of the Insured Person.
Benefits under this Rider will be reduced to the extent that benefits for expenses are covered by any other valid and collectible insurance or indemnity whether or not a claim is made for such benefits.
Changes in Terms and Conditions
The terms and conditions of this Rider, including but not limited to the definition of Excluded Countries, may be changed at any time to reflect conditions that, in the opinion of the Company, constitute a change in the Policyholder’s security evacuation exposure. The Company will give the Policyholder written notice of any change in the terms and conditions of this rider at least 45 days in advance of the effective date of the change.
Advisory means a formal recommendation by the Appropriate Authorities that the Insured Person or citizens of his or her Home Country or citizens of the Host Country leave the Host Country.
Appropriate Authority(ies) means the government authority(ies) in the Insured Person’s Home Country or the government authority(ies) of the Host Country.
Designated Security Consultant means an employee of a security firm under contract to AIAS or an AIAS designated service provider who is experienced in security and measures necessary to ensure the safety of the Insured Person(s) in his or her care.
Excluded Countries means the following countries from which Security Evacuations are not available under this Rider: Iraq, Afghanistan, Pakistan, Israel (West Bank and Gaza Strip), Iran, Somalia and Chechnya or any country subject to the administration and enforcement of U. S. economic embargoes and trade sanctions by the OFFICE OF FOREIGN ASSETS CONTROL (OFAC).
Home Country means the country of citizenship of the Insured Person. If the Insured Person has dual citizenship, for the purposes of this Rider, his or her Home Country is the country of the passport he or she used to enter the Host Country.
Host Country means any country, other than an Excluded Country, in which an Insured Person is traveling while covered under the Policy.
Imminent Physical Danger means the Insured Person is subject to possible physical injury or sickness that could result in grave physical harm or death.
Missing Person means an Insured Person who disappeared for an unknown reason and whose disappearance was reported to the Appropriate Authority(ies).
Natural Disaster means a storm (wind, rain, snow, sleet, hail, lightning, dust or sand), earthquake, flood, volcanic eruption, wildfire or other similar event that:
1. is due to natural causes; and
2. results in such severe and widespread damage that the area of damage is officially declared a disaster area by the government of the Host Country and the area is deemed to be uninhabitable or dangerous.
Nearest Place of Safety means a location determined by the Designated Security Consultant where:
1. the Insured Person can be presumed safe from the Occurrence that precipitated the Insured Person’s Security Evacuation; and
2. the Insured Person has access to transportation; and
3. the Insured Person has the availability of temporary lodging, if needed.
Occurrence means any of the following situations in which an Insured Person finds him or her self while covered by the Policy: 1. expulsion from a Host Country or being declared persona non-grata on the written authority of the recognized government of a Host Country;
2. political or military events involving a Host Country, if the Appropriate Authorities issue an Advisory stating that citizens of the Insured Person’s Home Country or citizens of the Host Country should leave the Host Country;
3. Natural Disaster within 7 days of an event ;
4. Verified Physical Attack or a Verified Threat of Physical Attack from a third party;
5. the Insured Person had been deemed kidnapped or a Missing Person by local or international authorities and, when found, his or her safety and/or well-being are in question within 7 days of his or her being found.
Period of Coverage means the period of time during which the Policy is in force with respect to the Insured Person.
Related Costs means food, lodging and, if necessary, physical protection for the Insured Person during the Transport to the Nearest Place of Safety.
Security Evacuation means the extrication of an Insured Person from the Host Country due to an Occurrence which results in the Insured Person being placed in Imminent Physical Danger.
Transport/Transportation means the most efficient and available method of conveyance. In all cases, where practical, economy fare will be utilized. If possible, the Insured Person’s common carrier tickets will be used.
Verified Physical Attack means deliberate physical harm of the Insured Person confirmed by documentation or physical evidence.
Verified Threat of Physical Attack means a threat against the Insured Person’s health and safety as confirmed by documentation and/or physical evidence.
No benefits are payable under this Rider for charges, fees or expenses:
1. payable under any other provision of, or Rider to, the Policy to which this Rider is attached;
2. that are recoverable through the Insured Person’s employer;
3. arising from or attributable to an actual fraudulent, dishonest or criminal act committed or attempted by an Insured Person, acting alone or in collusion with others;
4. arising from or attributable to an alleged:
a. violation of the laws of the Host Country by an Insured Person; or
b. violation of the laws of the Insured Person’s Home Country;
unless the Designated Security Consultant determines that such allegations were intentionally false, fraudulent and malicious and made solely to achieve a political, propaganda and/or coercive effect upon or at the expense of the Insured Person;
5. due to the Insured Person’s failure to maintain and possess duly authorized and issued required travel documents and visas;
6. arising from an Occurrence which took place in an Excluded Country;
7. for repatriation of remains expenses;
8. for common or endemic or epidemic diseases or global pandemic disease as defined by the World Health Organization; 9. for medical services;
10. for monies payable in the form of a ransom if a Missing Person case evolves into a kidnapping;
11. for consulting services seeking information on Missing Person or kidnapping cases;
12. arising from or attributable, in whole or in part, to a debt, insolvency, commercial failure, the repossession of any property by any title holder or lien holder or any other financial cause;
13. arising from or attributable, in whole or in part to non-compliance by the Insured Person with regard to any obligation specified in a contract or license;
14. due to military or political issues if the Insured Person’s Security Evacuation request is made more than 60 days after the Appropriate Authority(ies) Advisory was issued
Enrolled members under our ISP Insurance plans are eligible to participate in our referral program. Simply click here for refer a friend and enter your personal email address as well as your friends email address. Upon your friend’s enrollment into ISP Plans, he/ she will be prompted to enter your name into our system. By doing this you will receive a $10 credit for each referral. When you get three referrals you can choose to receive a $30 American Express Gift Card!
Deductible: the amount you pay out of your own pocket before your insurance begins picking up any of the costs of health care.
Coinsurance: the specified percentage amount of a claim that is shared by the Insured Person and the Insurance Company.
Pre-existing Condition: means any injury or illness which was contracted or which manifested itself, or for which treatment or medication was prescribed, prior to the effective date of this insurance as to the Insured.
Sickness: means sickness or disease of the Insured Person which causes loss, and originates while the Insured Person is covered under this policy. All related conditions and recurrent symptoms of the same or similar condition will be considered one sickness.
Usual and Customary: means charges for medical services or supplies essential to the care of the Insured if they are the amount normally charged by the provider for similar services and supplies and do not exceed the amount ordinarily charged by most providers of comparable services and supplies in the locality where the services or supplies are received.